Auto Loan Rates in Hawaii (HI) for April 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Current auto loan rates in Hawaii include HAWAIIAN ELECTRIC EMPLOYEESHAWAIIAN ELECTRIC EMPLOYEES770 KAPIOLANI BLVD STE 514, HONOLULU, HI, 96813A+5.0 ★Texas Ratio: 2.62% offering Special Used Auto Loans at 3.70%, Hawaii County Employees Federal Credit UnionHawaii County Employees Federal Credit Union131 Puuhonu Way, Hilo, HI, 96720A+5.0 ★Texas Ratio: 1.21% offering USED AUTO at 4.00%, Hamakua Federal Credit UnionHamakua Federal Credit Union28 490 Kaakepa Street, Pepeekeo, HI, 96783A5.0 ★Texas Ratio: 9.07% offering New Autos at 4.24%, HOCU Honolulu Federal Credit UnionHOCU Honolulu Federal Credit Union300 Ala Moana Blvd, Honolulu, HI, 96850A5.0 ★Texas Ratio: 7.94% offering Green New Car at 4.25%, Big Island Federal Credit UnionBig Island Federal Credit Union16 594 Kipimana St, Keaau, HI, 96749 8021A+5.0 ★Texas Ratio: 5.00% offering New Autos at 4.25%. Auto loan rates as of April 19, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare auto loan rates across Hawaii side-by-side. Hawaii auto loan rates currently start as low as 3.70% APR from HAWAIIAN ELECTRIC EMPLOYEES at 770 KAPIOLANI BLVD STE 514, HONOLULU, HI, 96813. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Hawaii. Auto Loan Rates Last Updated and Verified: April 19, 2026
Compare Auto Loan Rates Today in Hawaii
Up to 120% of invoice or MSRP (whichever is less).
As Low As; .25% rate reduction if loan is set up on Payroll Deduction, Transfer File or Automatic Payments at the time of loan closing.
As Low As
As Low As
New car must be an electric or hybrid vehicle powered by alternative fuels.
Up to 120% of invoice or MSRP (whichever is less).
As Low As; Rate shown includes 0.25% interest rate discount for any automatic loan payment (discount offer good at the time of closing only). Other rates and terms available based on applicant's creditworthiness and is subject to approval. Other restrictions apply. Offer not available for commercial type vehicles or internal refinancing. MSRP = Manufacturers Suggested Retail Price. MSRP is applicable for new automobiles only. JD Power Values is applicable for pre-owned automobiles only. Please call our Loan Department at (808) 536-0833 for complete details. Rate subject to change without notice. 6 and 7 year financing available only for automobiles priced $20,000 or more.
As Low As; .25% rate reduction if loan is set up on Payroll Deduction, Transfer File or Automatic Payments at the time of loan closing.
As Low As; .25% rate reduction if loan is set up on Payroll Deduction, Transfer File or Automatic Payments at the time of loan closing.
As Low As
New car must be an electric or hybrid vehicle powered by alternative fuels.
Up to 120% of invoice or MSRP (whichever is less).
72-Month Financing available on amounts of $18,000 or greater. 84-Month Financing available on amounts of $25,000 or greater. Up to 100% Financing on New Vehicles, and Used Vehicles 10 years or newer. Maximum loan amounts may be applicable.
As Low As; Rate shown includes 0.25% interest rate discount for any automatic loan payment (discount offer good at the time of closing only). Other rates and terms available based on applicant's creditworthiness and is subject to approval. Other rates and terms available based on applicant's creditworthiness and is subject to approval. Other restrictions apply. Offer not available for commercial type vehicles or internal refinancing. MSRP = Manufacturers Suggested Retail Price. MSRP is applicable for new automobiles only. JD Power Values is applicable for pre-owned automobiles only. Please call our Loan Department at (808) 536-0833 for complete details. Rate subject to change without notice. 6 and 7 year financing available only for automobiles priced $20,000 or more.
As Low As
As Low As
Up to 120% of invoice or MSRP (whichever is less).
Up to 120% of Kelly Blue Book - Retail. Maximum age of used vehicle is 9 years old.
As Low As; Rate shown includes 0.25% interest rate discount for any automatic loan payment (discount offer good at the time of closing only). Other rates and terms available based on applicant's creditworthiness and is subject to approval. Other rates and terms available based on applicant's creditworthiness and is subject to approval. Other restrictions apply. Offer not available for commercial type vehicles or internal refinancing. MSRP = Manufacturers Suggested Retail Price. MSRP is applicable for new automobiles only. JD Power Values is applicable for pre-owned automobiles only. Please call our Loan Department at (808) 536-0833 for complete details. Rate subject to change without notice. 6 and 7 year financing available only for automobiles priced $20,000 or more.
As Low As
As Low As
As Low As
As Low As
Up to 120% of Kelly Blue Book - Retail. Maximum age of used vehicle is 9 years old.
As Low As
As Low As
As Low As
As Low As
Up to 120% of Kelly Blue Book - Retail. Maximum age of used vehicle is 9 years old.
As Low As
As Low As
As Low As
As Low As; Ask about our Auto Loan rate match program!
As Low As; .25% rate reduction if loan is set up on Payroll Deduction, Transfer File or Automatic Payments at the time of loan closing.
As Low As; .25% rate reduction if loan is set up on Payroll Deduction, Transfer File or Automatic Payments at the time of loan closing.
As Low As
As Low As; APR includes a 0.25% discount for automatic payments from a Hawaii State FCU checking account. Without this, the APR will be 0.25% higher, potentially increasing monthly payments. Final APR depends on creditworthiness and may vary. Rates subject to change. Must be a Hawaii resident.
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
72-Month Financing available on amounts of $18,000 or greater. 84-Month Financing available on amounts of $25,000 or greater. Up to 100% Financing on New Vehicles, and Used Vehicles 10 years or newer. Maximum loan amounts may be applicable.
As Low As; Ask about our Auto Loan rate match program!
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As; terms up to 72 mos.
As Low As
As Low As
As Low As
As Low As
New car must be an electric or hybrid vehicle powered by alternative fuels.
As Low As
As Low As
As Low As; Ask about our Auto Loan rate match program!
As Low As; Rate shown includes 0.25% interest rate discount for any automatic loan payment (discount offer good at the time of closing only). Other rates and terms available based on applicant's creditworthiness and is subject to approval. Other rates and terms available based on applicant's creditworthiness and is subject to approval. Other restrictions apply. Offer not available for commercial type vehicles or internal refinancing. MSRP = Manufacturers Suggested Retail Price. MSRP is applicable for new automobiles only. JD Power Values is applicable for pre-owned automobiles only. Please call our Loan Department at (808) 536-0833 for complete details. Rate subject to change without notice. 6 and 7 year financing available only for automobiles priced $20,000 or more.
As Low As; .25% rate reduction if loan is set up on Payroll Deduction, Transfer File or Automatic Payments at the time of loan closing.
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
Up to 120% of invoice or MSRP (whichever is less).
Up to 120% of Kelly Blue Book - Retail. Maximum age of used vehicle is 9 years old.
As Low As
As Low As
As Low As
As Low As
As Low As; Ask about our Auto Loan rate match program!
As Low As; Ask about our Auto Loan rate match
As Low As; .25% rate reduction if loan is set up on Payroll Deduction, Transfer File or Automatic Payments at the time of loan closing.
As Low As
As Low As; terms up to 84 mos.
As Low As; Regular APR: 15.99%
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As; Ask about our Auto Loan rate match
As Low As; .25% rate reduction if loan is set up on Payroll Deduction, Transfer File or Automatic Payments at the time of loan closing.
As Low As
As Low As
As Low As
As Low As
As Low As
72-Month Financing available on amounts of $18,000 or greater. 84-Month Financing available on amounts of $25,000 or greater. Up to 100% Financing on New Vehicles, and Used Vehicles 10 years or newer. Maximum loan amounts may be applicable.
As Low As
As Low As
As Low As; Ask about our Auto Loan rate match
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As; Ask about our Auto Loan rate match
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As; .25% rate reduction if loan is set up on Payroll Deduction, Transfer File or Automatic Payments at the time of loan closing.
As Low As
As Low As
As Low As
As Low As
As Low As; Ask about our Auto Loan rate match program!
As Low As
As Low As
As Low As
As Low As
As Low As; .25% rate reduction if loan is set up on Payroll Deduction, Transfer File or Automatic Payments at the time of loan closing.
As Low As
As Low As; Ask about our Auto Loan rate match
As Low As
As Low As
As Low As
As Low As
As Low As
Up to 120% of invoice or MSRP (whichever is less).
As Low As; .25% rate reduction if loan is set up on Payroll Deduction, Transfer File or Automatic Payments at the time of loan closing.
As Low As
As Low As
Up to 120% of invoice or MSRP (whichever is less).
As Low As; Rate shown includes 0.25% interest rate discount for any automatic loan payment (discount offer good at the time of closing only). Other rates and terms available based on applicant's creditworthiness and is subject to approval. Other restrictions apply. Offer not available for commercial type vehicles or internal refinancing. MSRP = Manufacturers Suggested Retail Price. MSRP is applicable for new automobiles only. JD Power Values is applicable for pre-owned automobiles only. Please call our Loan Department at (808) 536-0833 for complete details. Rate subject to change without notice. 6 and 7 year financing available only for automobiles priced $20,000 or more.
As Low As; .25% rate reduction if loan is set up on Payroll Deduction, Transfer File or Automatic Payments at the time of loan closing.
As Low As
Up to 120% of invoice or MSRP (whichever is less).
As Low As; Rate shown includes 0.25% interest rate discount for any automatic loan payment (discount offer good at the time of closing only). Other rates and terms available based on applicant's creditworthiness and is subject to approval. Other rates and terms available based on applicant's creditworthiness and is subject to approval. Other restrictions apply. Offer not available for commercial type vehicles or internal refinancing. MSRP = Manufacturers Suggested Retail Price. MSRP is applicable for new automobiles only. JD Power Values is applicable for pre-owned automobiles only. Please call our Loan Department at (808) 536-0833 for complete details. Rate subject to change without notice. 6 and 7 year financing available only for automobiles priced $20,000 or more.
As Low As
As Low As
Up to 120% of invoice or MSRP (whichever is less).
Up to 120% of Kelly Blue Book - Retail. Maximum age of used vehicle is 9 years old.
As Low As; Rate shown includes 0.25% interest rate discount for any automatic loan payment (discount offer good at the time of closing only). Other rates and terms available based on applicant's creditworthiness and is subject to approval. Other rates and terms available based on applicant's creditworthiness and is subject to approval. Other restrictions apply. Offer not available for commercial type vehicles or internal refinancing. MSRP = Manufacturers Suggested Retail Price. MSRP is applicable for new automobiles only. JD Power Values is applicable for pre-owned automobiles only. Please call our Loan Department at (808) 536-0833 for complete details. Rate subject to change without notice. 6 and 7 year financing available only for automobiles priced $20,000 or more.
As Low As
As Low As
Up to 120% of Kelly Blue Book - Retail. Maximum age of used vehicle is 9 years old.
As Low As
As Low As
Up to 120% of Kelly Blue Book - Retail. Maximum age of used vehicle is 9 years old.
As Low As
As Low As; Ask about our Auto Loan rate match program!
As Low As; .25% rate reduction if loan is set up on Payroll Deduction, Transfer File or Automatic Payments at the time of loan closing.
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As; Ask about our Auto Loan rate match program!
As Low As
As Low As
As Low As; terms up to 72 mos.
As Low As
As Low As
As Low As
As Low As; Ask about our Auto Loan rate match program!
As Low As; Rate shown includes 0.25% interest rate discount for any automatic loan payment (discount offer good at the time of closing only). Other rates and terms available based on applicant's creditworthiness and is subject to approval. Other rates and terms available based on applicant's creditworthiness and is subject to approval. Other restrictions apply. Offer not available for commercial type vehicles or internal refinancing. MSRP = Manufacturers Suggested Retail Price. MSRP is applicable for new automobiles only. JD Power Values is applicable for pre-owned automobiles only. Please call our Loan Department at (808) 536-0833 for complete details. Rate subject to change without notice. 6 and 7 year financing available only for automobiles priced $20,000 or more.
As Low As
As Low As
As Low As
As Low As
Up to 120% of invoice or MSRP (whichever is less).
Up to 120% of Kelly Blue Book - Retail. Maximum age of used vehicle is 9 years old.
As Low As
As Low As
As Low As; Ask about our Auto Loan rate match program!
As Low As; .25% rate reduction if loan is set up on Payroll Deduction, Transfer File or Automatic Payments at the time of loan closing.
As Low As; terms up to 84 mos.
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As; .25% rate reduction if loan is set up on Payroll Deduction, Transfer File or Automatic Payments at the time of loan closing.
As Low As; Ask about our Auto Loan rate match program!
As Low As
As Low As
As Low As; Rate shown includes 0.25% interest rate discount for any automatic loan payment (discount offer good at the time of closing only). Other rates and terms available based on applicant's creditworthiness and is subject to approval. Other restrictions apply. Offer not available for commercial type vehicles or internal refinancing. MSRP = Manufacturers Suggested Retail Price. MSRP is applicable for new automobiles only. JD Power Values is applicable for pre-owned automobiles only. Please call our Loan Department at (808) 536-0833 for complete details. Rate subject to change without notice. 6 and 7 year financing available only for automobiles priced $20,000 or more.
As Low As; .25% rate reduction if loan is set up on Payroll Deduction, Transfer File or Automatic Payments at the time of loan closing.
As Low As; Rate shown includes 0.25% interest rate discount for any automatic loan payment (discount offer good at the time of closing only). Other rates and terms available based on applicant's creditworthiness and is subject to approval. Other rates and terms available based on applicant's creditworthiness and is subject to approval. Other restrictions apply. Offer not available for commercial type vehicles or internal refinancing. MSRP = Manufacturers Suggested Retail Price. MSRP is applicable for new automobiles only. JD Power Values is applicable for pre-owned automobiles only. Please call our Loan Department at (808) 536-0833 for complete details. Rate subject to change without notice. 6 and 7 year financing available only for automobiles priced $20,000 or more.
As Low As
As Low As; Rate shown includes 0.25% interest rate discount for any automatic loan payment (discount offer good at the time of closing only). Other rates and terms available based on applicant's creditworthiness and is subject to approval. Other rates and terms available based on applicant's creditworthiness and is subject to approval. Other restrictions apply. Offer not available for commercial type vehicles or internal refinancing. MSRP = Manufacturers Suggested Retail Price. MSRP is applicable for new automobiles only. JD Power Values is applicable for pre-owned automobiles only. Please call our Loan Department at (808) 536-0833 for complete details. Rate subject to change without notice. 6 and 7 year financing available only for automobiles priced $20,000 or more.
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As; .25% rate reduction if loan is set up on Payroll Deduction, Transfer File or Automatic Payments at the time of loan closing.
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As; Rate shown includes 0.25% interest rate discount for any automatic loan payment (discount offer good at the time of closing only). Other rates and terms available based on applicant's creditworthiness and is subject to approval. Other rates and terms available based on applicant's creditworthiness and is subject to approval. Other restrictions apply. Offer not available for commercial type vehicles or internal refinancing. MSRP = Manufacturers Suggested Retail Price. MSRP is applicable for new automobiles only. JD Power Values is applicable for pre-owned automobiles only. Please call our Loan Department at (808) 536-0833 for complete details. Rate subject to change without notice. 6 and 7 year financing available only for automobiles priced $20,000 or more.
As Low As; .25% rate reduction if loan is set up on Payroll Deduction, Transfer File or Automatic Payments at the time of loan closing.
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As; Ask about our Auto Loan rate match
As Low As
As Low As
As Low As
As Low As; Ask about our Auto Loan rate match
As Low As; .25% rate reduction if loan is set up on Payroll Deduction, Transfer File or Automatic Payments at the time of loan closing.
As Low As
As Low As
As Low As
As Low As; Ask about our Auto Loan rate match
As Low As
As Low As
As Low As
As Low As; Ask about our Auto Loan rate match
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As; .25% rate reduction if loan is set up on Payroll Deduction, Transfer File or Automatic Payments at the time of loan closing.
As Low As
As Low As; Ask about our Auto Loan rate match
As Low As
As Low As
As Low As
As Low As
Hawaii Auto Loan Rate Trends
Compare local Hawaii auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Hawaii new auto rates fell 0.010 points over the past 7 days to 5.792% APR.
Hawaii used auto rates fell 0.001 points over the past 7 days to 6.331% APR.
Frequently Asked Questions about Auto Loans in Hawaii
How does my credit score affect my car loan rate in Hawaii?
Is it better to finance through a dealership or a bank?
What is the difference between New and Used Auto Loan rates?
How long should my auto loan term be?
What are the best Auto Loan rates in Hawaii?
- HAWAIIAN ELECTRIC EMPLOYEES: 3.70% (Special Used Auto Loans)
- Hawaii County Employees Federal Credit Union: 4.00% (USED AUTO)
- Hamakua Federal Credit Union: 4.24% (New Autos)
- HOCU Honolulu Federal Credit Union: 4.25% (Green New Car)
- Big Island Federal Credit Union: 4.25% (New Autos)
Auto Loan Rates by City in Hawaii
